Compound Interest Quotes

Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.

Habits are the compound interest of self-improvement

Good and evil both increase at compound interest. That is why the little decisions you and I make every day are of such infinite importance. The smallest good act today is the capture of a strategic point from which, a few months later, you may be able to go on to victories you never dreamed of. An apparently trivial indulgence in lust or anger today is the loss of a ridge or railway line or bridgehead from which the enemy may launch an attack otherwise impossible.

Books," he said, "are like mushrooms. They grow when you are not looking. Books increase by rule of compound interest: one interest leads to another interest, and this compounds into third. Next, you have so much interest there is no space in closet.

In regards to the price of commodities, the rise of wages operates as simple interest does, the rise of profit operates like compound interest. Our merchants and masters complain much of the bad effects of high wages in raising the price and lessening the sale of goods. They say nothing concerning the bad effects of high profits. They are silent with regard to the pernicious effects of their own gains. They complain only of those of other people.

Good and evil both increase at compound interest.

The strongest force in the universe is Compound Interest.

Play iterated games. All the returns in life, whether in wealth, relationships, or knowledge, come from compound interest.

But something I had learned time and time again was that every small change you make pays compound interest. It helps you make another change, another mind-set shift, another decision to live a new way.

LONDON. Michaelmas Term lately over, and the Lord Chancellor sitting in Lincoln’s Inn Hall. Implacable November weather. As much mud in the streets as if the waters had but newly retired from the face of the earth, and it would not be wonderful to meet a Megalosaurus, forty feet long or so, waddling like an elephantine lizard up Holborn Hill. Smoke lowering down from chimney-pots, making a soft black drizzle, with flakes of soot in it as big as full-grown snow-flakes — gone into mourning, one might imagine, for the death of the sun. Dogs, undistinguishable in mire. Horses, scarcely better; splashed to their very blinkers. Foot passengers, jostling one another’s umbrellas in a general infection of ill-temper, and losing their foot-hold at street-corners, where tens of thousands of other foot passengers have been slipping and sliding since the day broke (if the day ever broke), adding new deposits to the crust upon crust of mud, sticking at those points tenaciously to the pavement, and accumulating at compound interest. Fog everywhere. Fog up the river, where it flows among green aits and meadows; fog down the river, where it rolls defiled among the tiers of shipping and the waterside pollutions of a great (and dirty) city. Fog on the Essex marshes, fog on the Kentish heights. Fog creeping into the cabooses of collier-brigs; fog lying out on the yards, and hovering in the rigging of great ships; fog drooping on the gunwales of barges and small boats. Fog in the eyes and throats of ancient Greenwich pensioners, wheezing by the firesides of their wards; fog in the stem and bowl of the afternoon pipe of the wrathful skipper, down in his close cabin; fog cruelly pinching the toes and fingers of his shivering little ’prentice boy on deck. Chance people on the bridges peeping over the parapets into a nether sky of fog, with fog all round them, as if they were up in a balloon, and hanging in the misty clouds. Gas looming through the fog in divers places in the streets, much as the sun may, from the spongey fields, be seen to loom by husbandman and ploughboy. Most of the shops lighted two hours before their time — as the gas seems to know, for it has a haggard and unwilling look. The raw afternoon is rawest, and the dense fog is densest, and the muddy streets are muddiest near that leaden-headed old obstruction, appropriate ornament for the threshold of a leaden-headed old corporation, Temple Bar. And hard by Temple Bar, in Lincoln’s Inn Hall, at the very heart of the fog, sits the Lord High Chancellor in his High Court of Chancery.

All the returns in life, whether in wealth, relationships, or knowledge, come from compound interest.

In any case, do you really think kids even want something that is relevant to their daily lives? You think something practical like compound interest is going to get them excited? People enjoy fantasy, and that is just what mathematics can provide -- a relief from daily life, an anodyne to the practical workaday world.

In fact, when Warren Buffett was once asked about the key to success, he pointed to a stack of nearby books and said, “Read 500 pages like this every day. That’s how knowledge works. It builds up, like compound interest. All of you can do it, but I guarantee not many of you will do it.

Each book you read not only teaches you something new, but also opens up different ways of thinking about old ideas. As Warren Buffet says 'That's how knowledge works. It builds up, like compound interest'.

Compound interest is the most powerful force in the universe.

Good and evil are not static; they are dynamic. Each one continually feeds on itself just like compound interest in the bank. Good is always getting better, and evil is always getting worse.

Compound interest also happens in your reputation. If you have a sterling reputation and you keep building it for decades upon decades, people will notice. Your reputation will literally end up being thousands or tens of thousands of times more valuable than somebody else who was very talented but is not keeping the compound interest in reputation going.

As I see it, if you work more hours than somebody else, during those hours you learn more about your craft. That can make you more efficient, more able, even happier. Hard work is like compounded interest in the bank. The rewards build faster.

Nature has mastered compounding. At Mayflower-Plymouth we want our capital, profits and growth to compound the way compounding happens in thriving forests.

Read 500 pages like this every day. That’s how knowledge works. It builds up, like compound interest. All of you can do it, but I guarantee not many of you will do it.

Compound Interest is one of my favorite things of all time.

Good and evil both increase at compound interest. That is why the little decisions you and I make every day are of such infinite importance.

technical debt’ that is not being paid down. It comes from taking shortcuts, which may make sense in the short-term. But like financial debt, the compounding interest costs grow over time. If an organization doesn’t pay down its technical debt, every calorie in the organization can be spent just paying interest, in the form of unplanned work.

Habits are the compound interest of self-improvement. The same way that money multiplies through compound interest, the effects of your habits multiply as you repeat them. They seem to make little difference on any given day and yet the impact they deliver over the months and years can be enormous. It is only when looking back two, five, or perhaps ten years later that the value of good habits and the cost of bad ones becomes strikingly apparent.

If you project all source of hatred and jealousy, they will rebound on you with compound interest.

All benefits in life come from compound interest, whether in money, relationships, love, health, activities, or habits. I only want to be around people I know I’m going to be around for the rest of my life. I only want to work on things I know have long-term payout.

As with our colleges, so with a hundred ‘modern improvements;’ there is an illusion about them; there is not always a positive advance. The devil goes on exacting compound interest to the last for his early share and numerous succeeding investments in them. Our inventions are wont to be pretty toys, which distract our attention from serious things. They are but improved means to an unimproved end, an end which it was already but too easy to arrive at...

If you project hatred and jealousy, they will rebound on you with compound interest. No power can avert them; when once you have put them in motion, you will have to bear them. Remembering this will prevent you from doing wicked things.

... Implacable November weather. As much mud in the streets, as if the waters had but newly retired from the face of the earth, and it would not be wonderful to meet a Megalosaurus, forty feet long or so, waddling like an elephantine lizard up Holborn Hill. Smoke lowering down from chimney-pots, making a soft black drizzle, with flakes of soot in it as big as full-grown snow-flakes — gone into mourning, one might imagine, for the death of the sun. Dogs, undistinguishable in mire. Horses, scarcely better; splashed to their very blinkers. Foot passengers, jostling one another’s umbrellas, in a general infection of ill-temper, and losing their foot-hold at street-corners, where tens of thousands of other foot passengers have been slipping and sliding since the day broke (if the day ever broke), adding new deposits to the crust upon crust of mud, sticking at those points tenaciously to the pavement, and accumulating at compound interest.

I know that “gentrification” is but a more pleasing name for white supremacy, is the interest on enslavement, the interest on Jim Crow, the interest on redlining, compounding across the years, and these new urbanites living off of that interest are, all of them, exulting in a crime.

The only thing that compounds faster than interest is learning.

And again, damn. Of troubles I considered myself amply possessed. But those who have do seem to get. Some spiritual form of compound interest, I suppose.

Good and evil both increase at compound interest. That is why the little decisions you and I make day to day are of such great importance.

The Power of the Dog by Rudyard Kipling There is sorrow enough in the natural way From men and women to fill our day; And when we are certain of sorrow in store, Why do we always arrange for more? Brothers and Sisters, I bid you beware Of giving your heart to a dog to tear. Buy a pup and your money will buy Love unflinching that cannot lie-- Perfect passion and worship fed By a kick in the ribs or a pat on the head. Nevertheless it is hardly fair To risk your heart for a dog to tear. When the fourteen years which Nature permits Are closing in asthma, or tumour, or fits, And the vet's unspoken prescription runs To lethal chambers or loaded guns, Then you will find--it's your own affair-- But ... you've given your heart to a dog to tear. When the body that lived at your single will, With its whimper of welcome, is stilled (how still!). When the spirit that answered your every mood Is gone--wherever it goes--for good, You will discover how much you care, And will give your heart to a dog to tear. We've sorrow enough in the natural way, When it comes to burying Christian clay. Our loves are not given, but only lent, At compound interest of cent per cent. Though it is not always the case, I believe, That the longer we've kept 'em, the more do we grieve: For, when debts are payable, right or wrong, A short-time loan is as bad as a long-- So why in--Heaven (before we are there) Should we give our hearts to a dog to tear?

Maybe you feel a bit stupid about it, but you do it anyway. And you do the same thing tomorrow, and the next day, and the next. And, with each day, your baseline of comparison gets a little higher, and that's magic. That's compound interest. Do that for three years and your life will be entirely different

I am interested in longing, in longing so deep it threatens to splinter a person apart. I am interested in a profound longing for an unknown existence, or for a better life, without any idea of what the specifics of that life would look like. I’m not getting this right- I’m interested in knowing about the longing that unites all women, all mothers. What is that longing? How could we possibly long for something beyond our offspring? It’s almost as if having a child allows a woman to see how much infinite potential there is, allows her to see infinity itself. (Am I making any sense?) It’s almost as if having a child does not sate a deep yearning but instead compounds it.

If you are investing in your education and you are learning, you should do that as early as you possibly can, because then it will have time to compound over the longest period. And that the things you do learn and invest in should be knowledge that is cumulative, so that the knowledge builds on itself. So instead of learning something that might become obsolete tomorrow, like some particular type of software [that no one even uses two years later], choose things that will make you smarter in 10 or 20 years.

Money Compounding is one concept that does not hit you unless your stars are aligned

Lies charged compound interest. You tried to fix what you had broken before you were found out, making little payments as you could afford to, just enough to keep the whole weight of it at bay. But the lie kept growing and growing. You could never pay it off, not without losing everything. The cost was total.

BE IT EVER SO HUMBLE … UNLESS YOU’RE IMMORTAL AND UNDERSTAND COMPOUND INTEREST

The Fates seldom forget the bargains made with them, or fail to ask for compound interest.

Compound interest is the eighth wonder of the world. He who understands it earns it. He who doesn’t pays it.

Read 500 pages like this every week. That’s how knowledge builds up, like compound interest.

If compound interest is indeed the 8th wonder of the world, then leveraged compounding is certainly the 9th, 10th and 11th.

Habits Are Compound Interest of Self Improvement

Compound interest is the eighth wonder of the world." - Albert Einstein (Something just for me to keep in mind)

Albert Einstein once said that the most miraculous phenomenon he knew was the miracle of compound interest.

Good and evil both increase at compound interest. That is why the little decisions you and I make every day are of such infinite importance. The

Marcellinus was interested to see that here in Woshakee, where space was tight, the houses had been built in rows as neat and orderly as any castra or Roman town. It was a way of getting as many houses as possible inside the small compound defined by the palisade perimeter.

Persistence trumps talent. What's the most powerful force in the universe? Compound interest. It builds on itself. Over time, a small amount of money becomes a large amount of money. Persistence is similar. A little bit improves performance, which encourages greater persistence which improves persistence even more. And on and on it goes. Lack of persistence works the same way -- only in the opposite direction. Of course talent is important, but the world is lit erred with talented people who didn't persist, who didn't put in the hours, who gave up too early, who thought they could ride on talent alone. Meanwhile, people who might have less talent pass them by. That's why intrinsic motivation is so important. Doing things not the get an external reward like money or a promotion, but because you simple like doing it. The more intrinsic motivation you have , the more likely you are to persist. The more you persist, the more likely you are to succeed.

One dollar at compound interest, at twenty-four per cent., for one hundred years, would produce a sum equal to our national debt. Interest eats night and day, and the more it eats the hungrier it grows. The farmer in debt, lying awake at night, can, if he listens, hear it gnaw. If he owes nothing, he can hear his corn grow. Get out of debt as soon as you possibly can. You have supported idle avarice and lazy economy long enough.

Knowledge of Nature is an account at bank, where each dividend is added to the principal and the interest is ever compounded; and hence it is that human progress, founded on natural knowledge, advances with ever increasing speed.

Habits are the compound interest of self-improvement. Getting 1 percent better every day counts for a lot in the long-run. ■ Habits are a double-edged sword. They can work for you or against you, which is why understanding the details is essential. ■ Small changes often appear to make no difference until you cross a critical threshold. The most powerful outcomes of any compounding process are delayed. You need to be patient. ■ An atomic habit is a little habit that is part of a larger system. Just as atoms are the building blocks of molecules, atomic habits are the building blocks of remarkable results. ■ If you want better results, then forget about setting goals. Focus on your system instead. ■ You do not rise to the level of your goals. You fall to the level of your systems.

I remember one teacher there -- I can't recall her name now. She was short and spare, and I remember her eager jutting chin. Quite unexpectedly one day (in the middle, I think, of an arithmetic lesson) she suddenly launched forth on a speech on life and religion. "All of you," she said, "every one of you -- will pass through a time when you will face despair. If you never face despair, you will never have faced, or become, a Christian, or known a Christian life. To be a Christian you must face and accept the life that Christ faced and lived; you must enjoy things as he enjoyed things; be as happy as he was at the marriage at Canaan, know the peace and happiness that it means to be in harmony with God and with God's will. But you must also know, as he did, what it means to be alone in the Garden of Gethsemane, to feel that all your friends have forsaken you, that those you love and trust have turned away from you, and that God Himself has forsaken you. Hold on then to the belief that that is not the end. If you love, you will suffer, and if you do not love, you do not know the meaning of a Christian life." She then returned to the problems of compound interest ...

Mom is losing, no doubt, because our vegetables have come to lack two features of interest: nutrition and flavor. Storage and transport take predictable tolls on the volatile plant compounds that subtly add up to taste and food value. Breeding to increase shelf life also has tended to decrease palatability. Bizarre as it seems, we've accepted a tradeoff that amounts to: "Give me every vegetable in every season, even if it tastes like a cardboard picture of its former self.

The reason I say this is not to make some glib comment about how 99 percent of your life is wasted and only 1 percent is useful. I say this because you should be very thoughtful and realize in most things (relationships, work, even in learning) what you’re trying to do is find the thing you can go all-in on to earn compound interest.

Ralph Waldo Emerson had this truth in mind when he said (in his essay on Compensation), “If you serve an ungrateful master, serve him the more. Put God in your debt. Every stroke shall be repaid. The longer the payment is withholden, the better for you; for compound interest on compound interest is the rate and usage of this exchequer

About 4,400 years ago 8 people stepped off Noah’s ark. According to the United Nations Population Growth Statistics, the world’s population grows at about .47% per year. That is the growth rate for all civilizations who kept records. Suppose you put $8.00 in the bank 4,400 years ago and received .47% a year. How much money would you have? What a coincidence! It would be about $7,000,000,000. That’s kind of odd, because 4,400 years ago 8 people stepped off the ark and now we have about 7,000,000,000 people on planet earth. God’s math works! Compound interest is something we teach to seventh-graders. You don’t have to be a professor to figure this out. A twelve-year-old can do the calculation. Ask any seventh-grader, the algebraic equation looks like this: A=P (1+r/n)t . . . where "A " is the ending amount (about 7,000,000,000 in this case), "P " is the beginning amount (8 in this case), "r " is the interest rate (.47% in this case), "n " is the number of compoundings a year (1 in this case), and "t " is the total number of years (4,400 in this case).

How long will you be gone?” he asked, feigning interest. It was a Saturday morning, and the children surrounded

Hard work is like compounded interest in the bank. The rewards build faster.

Sympathy compounded of liking and compassion in varying proportions evidently seemed to Jane Austen the most natural inventive to imaginative interest in a character.

 ‘Trouble borrowed will be paid back with interest compounded on sorrow.

$100 placed at 7 percent interest compounded quarterly for 200 years will increase to more than $100,000,000—by which time it will be worth nothing.

You’ve just described ‘technical debt’ that is not being paid down. It comes from taking shortcuts, which may make sense in the short-term. But like financial debt, the compounding interest costs grow over time. If an organization doesn’t pay down its technical debt, every calorie in the organization can be spent just paying interest, in the form of unplanned work.

Aim small. You don’t want to shoulder too much to begin with, given your limited talents, tendency to deceive, burden of resentment, and ability to shirk responsibility. Thus, you set the following goal: by the end of the day, I want things in my life to be a tiny bit better than they were this morning. Then you ask yourself, “What could I do, that I would do, that would accomplish that, and what small thing would I like as a reward?” Then you do what you have decided to do, even if you do it badly. Then you give yourself that damn coffee, in triumph. Maybe you feel a bit stupid about it, but you do it anyway. And you do the same thing tomorrow, and the next day, and the next. And, with each day, your baseline of comparison gets a little higher, and that’s magic. That’s compound interest. Do that for three years, and your life will be entirely different. Now you’re aiming for something higher. Now you’re wishing on a star. Now the beam is disappearing from your eye, and you’re learning to see. And what you aim at determines what you see. That’s worth repeating. What you aim at determines what you see.

Habits are the compound interest of self-improvement. Getting 1 percent better every day counts for a lot in the long-run. Habits are a double-edged sword. They can work for you or against you, which is why understanding the details is essential. Small changes often appear to make no difference until you cross a critical threshold. The most powerful outcomes of any compounding process are delayed. You need to be patient. An atomic habit is a little habit that is part of a larger system. Just as atoms are the building blocks of molecules, atomic habits are the building blocks of remarkable results. If you want better results, then forget about setting goals. Focus on your system instead. You do not rise to the level of your goals. You fall to the level of your systems.

Without making any great show of it, Mather withdrew from him. Though they saw each other in company, and he was never obviously distant toward Edward, the friendship was never the same. Edward was in agonies when he considered that Mather was actually repelled by his behavior, but he did not have the courage to raise the subject. Besides, Mather made sure they were never alone together. At first Edward believed that his error was to have damaged Mather's pride by witnessing his humiliation, which Edward then compounded by acting as his champion, demonstrating that he was tough while Mather was a vulnerable weakling. Later on, Edward realized that what he had done was simply not cool, and his shame was all the greater. Street fighting did not go with poetry and irony, bebop or history. He was guilty of a lapse of taste. He was not the person he had thought. What he believed was an interesting quirk, a rough virtue, turned out to be a vulgarity. He was a country boy, a provincial idiot who thought a bare-knuckle swipe could impress a friend. It was a mortifying reappraisal. He was making one of the advances typical of early adulthood: the discovery that there were new values by which he preferred to be judged.

Each human is a heterogeneous compound of vibrant matter. If matter itself is lively, then not only is the difference between subjects and objects minimized, but the status of the shared materiality of all things is elevated. (...) And in a knotted world of vibrant matter, to harm one section of the web may very well be to harm oneself. Such an enlightened or expanded notion of self-interest is good for humans.

My parents did not grant me so much as an allowance. When I had asked for one in the fourth grade, my father had frowned and said, “Let me think it over.” The next night he handed me an itemized list of expenses that included my birth, feeding, education, and clothing, the sum total being $24,376. “This doesn’t include emotional aggravation, compound interest, or future expenses,” my father said. “Now when can you start paying me an allowance?

It was obvious that a substance with such fantastic effects on mental perception and on the experience of the outer and inner world would also arouse interest outside medical science, but I had not expected that LSD, with its unfathomably uncanny, profound effects, so unlike the character of a recreational drug, would ever find worldwide use as an inebriant. I had expected curiosity and interest on the part of artists outside of medicine—performers, painters, and writers—but not among people in general. After the scientific publications around the turn of the century on mescaline—which, as already mentioned, evokes psychic effects quite like those of LSD—the use of this compound remained confined to medicine and to experiments within artistic and literary circles. I had expected the same fate for LSD. And indeed, the first non-medicinal self-experiments with LSD were carried out by writers, painters, musicians, and other intellectuals.

As with our colleges, so with a hundred "modern improvements"; there is an illusion about them; there is not always a positive advance. The devil goes on exacting compound interest to the last for his early share and numerous succeeding investments in them. Our inventions are wont to be pretty toys, which distract our attention from serious things. They are but improved means to an unimproved end, an end which it was already but too easy to arrive at; as railroads lead to Boston or New York.

9 Give blow for blow, scorn for scorn, doom for doom - with compound interest liberally added thereunto! Eye for eyes, tooth for tooth, aye four-fold, a hundred-fold! Make yourself a Terror to your adversary, and when he goeth his way, he will possess much additional wisdom to ruminate over. Thus shall make yourself respected in all the walks of life, and your spirit - your immortal spirit - shall live, not in an intangible paradise, but in the brains and sinews of those whose respect you have gained.

It is a curious fate to write for a people other than one’s own, and it is even stranger to write to the conquerors of one’s people. Wonder was expressed at the acrimony of the first colonized writers. Do they forget that they are addressing the same public whose tongue they have borrowed? However, the writer is neither unconscious, nor ungrateful, nor insolent. As soon as they dare speak, what will they tell just those people, other than of their malaise and revolt? Could words of peace or thoughts of gratitude be expected from those who have been suffering from a loan that compounds so much interest? For a loan which, besides, will never be anything but a loan. We are here, it is true, putting aside fact for conjecture. But it is so easy to read, so obvious. The emergence of a literature of a colonized people, the development of consciousness by North African writers for example, is not an isolated occurrence. It is part of the development of the self-consciousness of an entire human group. The fruit is not an accident or miracle of a plant but a sign of its maturity. At most, the surging of the colonized artist is slightly ahead of the development of collective consciousness in which he participates and which he hastens by participating in it. And the most urgent claim of a group about to revive is certainly the liberation and restoration of its language.

I am interested in longing, in longing so deep it threatens to splinter a person apart. It’s almost as if having a child does not sate a deep yearning but instead compounds it. Look, the mother says, look at what I'm capable of. I make life. I am life. But how can I become a god?

As I see it, if you work more hours than somebody else, during those hours you learn more about your craft. That can make you more efficient, more able, even happier. Hard work is like compounded interest in the bank. The rewards build faster. The same is true in your life outside of your job.

not just because of the black people swept away but because I know that “gentrification” is but a more pleasing name for white supremacy, is the interest on enslavement, the interest on Jim Crow, the interest on redlining, compounding across the years, and these new urbanites living off of that interest are, all of them, exulting in a crime. To speak the word gentrification is to immediately lie. And I know, even in my anger, even as I write this, that I am no better. White people are, in some profound way, trapped; it took generations to make them white, and it will take more to unmake them.

What—in other words—would modern boredom be without terror? One of the most boring documents of all time is the thick volume of Hitler’s Table Talk. He too had people watching movies, eating pastries, and drinking coffee with Schlag while he bored them, while he discoursed theorized expounded. Everyone was perishing of staleness and fear, afraid to go to the toilet. This combination of power and boredom has never been properly examined. Boredom is an instrument of social control. Power is the power to impose boredom, to command stasis, to combine this stasis with anguish. The real tedium, deep tedium, is seasoned with terror and with death. There were even profounder questions. For instance, the history of the universe would be very boring if one tried to think of it in the ordinary way of human experience. All that time without events! Gases over and over again, and heat and particles of matter, the sun tides and winds, again this creeping development, bits added to bits, chemical accidents—whole ages in which almost nothing happens, lifeless seas, only a few crystals, a few protein compounds developing. The tardiness of evolution is so irritating to contemplate. The clumsy mistakes you see in museum fossils. How could such bones crawl, walk, run? It is agony to think of the groping of the species—all this fumbling, swamp-creeping, munching, preying, and reproduction, the boring slowness with which tissues, organs, and members developed. And then the boredom also of the emergence of the higher types and finally of mankind, the dull life of paleolithic forests, the long long incubation of intelligence, the slowness of invention, the idiocy of peasant ages. These are interesting only in review, in thought. No one could bear to experience this. The present demand is for a quick forward movement, for a summary, for life at the speed of intensest thought. As we approach, through technology, the phase of instantaneous realiza-tion, of the realization of eternal human desires or fantasies, of abolishing time and space the problem of boredom can only become more intense. The human being, more and more oppressed by the peculiar terms of his existence—one time around for each, no more than a single life per customer—has to think of the boredom of death. O those eternities of nonexistence! For people who crave continual interest and diversity, O! how boring death will be! To lie in the grave, in one place, how frightful!

Ethical fading is a condition in a culture that allows people to act in unethical ways in order to advance their own interests, often at the expense of others, while falsely believing that they have not compromised their own moral principles. Ethical fading often starts with small, seemingly innocuous transgressions that, when left unchecked, continue to grow and compound.

Some contemporary theology has been enamored with the heady idea of an imagined freedom that functions without any law or norm or rule of obligation. The technical name for this idea is antinomianism. This yen for freedoms other than Christ's freedom has compounded the problems in pastoral theology. Pastoral practice has at times been exceedingly ready to be guided by this antinomian tendency in theology that implies: if God loves you no matter what, then your own moral responses to God's absolute acceptance make little or no difference; God is going to love you anyway, so assert your individual interest, express yourself, do as you please, and above all do not repress any impulses. It is on the basis of this normless, egocentric relativism that much well-intended liberal pastoral practice has accommodated to naturalism, narcissism, and individualism. It has therefore steered consistently away from any notion of admonition, hoping to avoid 'guilt trips.' But ironically, guilt is more likely to be INCREASED by the lack of timely, caring admonition. For if there is no compassionate admonition, we tend to hide our guilt in ways that make it worse.

The father of this pleasant grandfather, of the neighbourhood of Mount Pleasant, was a horny-skinned, two-legged, money-getting species of spider who spun webs to catch unwary flies and retired into holes until they were entrapped. The name of this old pagan's god was Compound Interest. He lived for it, married it, died of it. Meeting with a heavy loss in an honest little enterprise in which all the loss was intended to have been on the other side, he broke something--something necessary to his existence, therefore it couldn't have been his heart--and made an end of his career. As his character was not good, and he had been bred at a charity school in a complete course, according to question and answer, of those ancient people the Amorites and Hittites, he was frequently quoted as an example of the failure of education.

The earlier you start making small changes, the more powerfully the Compound Effect works in your favor. Suppose your friend listened to Dave Ramsey’s advice and began putting $250 a month into an IRA when she got her first job after graduating from college at age twenty-three. You, on the other hand, don’t start saving until you’re forty. (Or maybe you started saving a little earlier but cleaned out your retirement account because you didn’t notice any great gains.) By the time your friend is forty, she never has to invest another dollar and will have more than a $1 million by the age of sixty-seven, growing at 8 percent interest compounded monthly. You continue to invest $250 every month until you reach sixty-seven, the normal retirement age for Social Security for those born after 1960. (That means you’re saving for twenty-seven years in contrast to her seventeen years.) When you’re ready to retire, you’ll have less than $300,000 and will have invested $27,000 more than your friend. Even though you saved for many more years and invested much more cash, you still ended up with less than a third of the money you could have had. That’s what happens when we procrastinate and neglect necessary behaviors, habits, and disciplines. Don’t wait another day to start the small disciplines that will lead you in the direction of your goals!

Musk delved deeply into how solar cells work and the various compounds that can make them more efficient. He concluded the paper with a drawing of the “power station of the future.” It depicted a pair of giant solar arrays in space—each four kilometers in width—sending their juice down to Earth via microwave beams to a receiving antenna with a seven-kilometer diameter. Musk received a 98 on what his professor deemed a “very interesting and well written paper.

Revelation 12:11 "And they overcame him by the blood of the Lamb, and by the word of their testimony; and they loved not their lives unto the death ". I would like you to read this message with rapt attention, so that you can key in to what God intends to do through this miracle power. The verse above is a very interesting part of the Bible; it gives us weapons and it would be good, if you could memorise it and appropriate it to yourself. There is a weapon that has never lost its power, but people have not learnt to use it; whereas, it is highly effective. Even the enemy is afraid, when you start to talk about it. That old serpent, the dragon, that the Bible talks about, saying: "Woe unto the earth and the sea ... " There is a weapon that can overcome it. There is nothing that God created, that He cannot rearrange; there is no enemy that God cannot defeat. A two-year old girl learnt this song and was always singing it: "There is power, there is power, there is power in the Blood of Jesus." Her mother noticed that she never took ill. One day, the mother washed the girl's clothes and hung them outside. There was a high wind, which blew her small panty to the compound next to theirs and it landed in the sitting room of a neighbour, who was a herbalist. Immediately the panty landed, there was pandemonium in the room; everything turned upside down. Everything he knew how to do failed; nothing could avail for him. He did his consultation and he found out that there

One problem is that here in the Twin Cities it’s hard to find that many freaks—at least, any who care to come on TV and talk about it,” said Fielding. “We don’t have a reliable supply of cross-dressers, hermaphrodites, eunuchs, or geeks. We have plenty of alcoholics, but how interesting are they? They don’t remember anything. This is Minnesota, we’re a journalistically challenged state. I mean, when was the last time a band of Lutherans holed up in a compound with automatic weapons? We don’t have that here.

To see Ramses, at fourteen months, wrinkling his brows over a sentence like 'The theology of the Egyptians was a compound of fetishism, totem-ism and syncretism' was a sight as terrifying as it was comical. Even more terrifying was the occasional thoughtful nod the child would give. ...the room was dark except for one lamp, by whose light Emerson was reading. Ramses, in his crib, contemplated the ceiling with rapt attention. It made a pretty little family scene, until one heard what was being said. '...the anatomical details of the wounds, which included a large gash in the frontal bone, a broken malar bone and orbit, and a spear thrust which smashed off the mastoid process and struck the atlas vertebra, allow us to reconstruct the death scene of the king.' ... From the small figure in the cot came a reflective voice. 'It appeaws to me that he was muwduwed.'...' a domestic cwime.'...'One of the ladies of the hawem did it, I think.' I seized Emerson by the arm and pushed him toward the door, before he could pursue this interesting suggestion.

If complex behavior such as addiction is a chronic and relapsing brain disease (and it is complex, because it involves not just taking the addictive substance, but finding it), no one should be surprised if addicts awaited their salvation by means of a magic bullet. To imply that there is or could be such a magic bullet is, in effect, to compound the problem for addicts; for, already given to much self-deception, it is just what they want to hear so that they can continue their self-destruction with a clear conscience and that self-righteousness that comes nowadays with the awareness of being a victim – the victim of a chronic, relapsing brain disease, as revealed by brain scans. Those who tend them, of course, also need them to be victims. This is not just a matter of financial interest: seeing victims everywhere you look is the zeitgeist, it is what gives people license to behave as they like while feeling virtuous. Virtue is not manifested in one’s behavior, always so difficult and tedious to control, but in one’s attitude toward victims. This view of virtue is both sentimental and unfeeling, cloying and brutal: for it implies that those who are not victims are not worthy of our sympathy or understanding, only of our denunciation.

And in 1956, Sir Charles Darwin, grandson of the Charles Darwin, wrote an essay on the forthcoming Age of Leisure in the magazine New Scientist in which he argued: Take it that there are fifty hours a week of possible working time. The technologists, working for fifty hours a week, will be making inventions so the rest of the world need only work twenty-five hours a week. The more leisured members of the community will have to play games for the other twenty-five hours so they may be kept out of mischief. . . . Is the majority of mankind really able to face the choice of leisure enjoyments, or will it not be necessary to provide adults with something like the compulsory games of the schoolboy? They could not have been more wrong. The main challenge they foresaw was how to keep people occupied so that they wouldn’t become bored to death. Instead of giving us more time, “science and compound interest” driven by “technologists working for fifty hours a week” have, in fact, given us less time. The multiplicative compounding of socioeconomic interactivity engendered by urbanization has inevitably led to the contraction of time. Rather than being bored to death, our actual challenge is to avoid anxiety attacks, psychotic breakdowns, heart attacks, and strokes resulting from being accelerated to death.

The eyes have been used to signify a perverse capacity - honed to perfection in the history of science tied to militarism, capitalism, colonialism, and male supremacy - to distance the knowing subject from everybody and everything in the interests of unfettered power. The instruments of visualization in multinationalist, postmodernist culture have compounded these meanings of dis-embodiment. The visualizing technologies are without apparent limit; the eye of any ordinary primate like us can be endlessly enhanced by sonography systems, magnetic resonance imaging, artificial intelligence-linked graphic manipulation systems, scanning electron microscopes, computer-aided tomography scanners, colour enhancement techniques, satellite surveillance systems, home and office VDTs, cameras for every purpose from filming the mucous membrane lining the gut cavity of a marine worm living in the vent gases on a fault between continental plates to mapping a planetary hemisphere elsewhere in the solar system. Vision in this technological feast becomes unregulated gluttony; all perspective gives way to infinitely mobile vision, which no longer seems just mythically about the god-trick of seeing everything from nowhere, but to have put the myth into ordinary practice. And like the god-trick, this eye fucks the world to make techno-monsters. Zoe Sofoulis (1988) calls this the cannibal-eye of masculinist extra-terrestrial projects for excremental second birthing.

Western societies want men to be upstanding, proactive citizens who take responsibility for themselves, who work with others to improve their communities and nation as a whole. The irony is that society is not giving the support, guidance, means, or places for these young men even to be motivated or interested in aspiring to these goals. In fact, society - from politics to the media to the classroom to our very own families - is a major contributor to this demise because it is inhibiting young men's intellectual, creative, and social abilities right from the start. And the irony is only compounded by the fact that men play such a powerful part in society, which means they are effectively denying their younger counterparts the opportunity to thrive.

Yet a much more fundamentally political dimension of the socially constructed nature of capital - nothing less than the specification of a parallel universe with its own natural laws and rules for the physical existence and subsistence of financial capital and its interaction with the other factors of production - has also often been overlooked in contemporary academic literature. Under the current monetary arrangements financial capital is a peculiar creature indeed. Money can be created ex nihilo at the stroke of a pen - or a keyboard - by a specific type of legal person entrusted with the task, not other legal or natural person. With the socially constructed ability to attract compound interest in a world where physical assets rot and break, it does not share the same physical reality with the mere mortal factors of production: even in cases where productive investments which enable the payment of interest in real terms can be identified, the compounding of interest on financial capital is not temporally limited to the period that the relevant physical assets can continue to produce exponential returns in real terms. Rather than representing accumulated wealth that could be "saved" to finance investment, the bulk of money disappears as soon as other factors of production are not willing to pay a tribute to induce its continuing circulation in the form of interest payments. In addition to the inherently political nature of specifications of money have been detached from virtually any substantive connection to the rules or the realities experienced by other factors of production in the physical world that is nonetheless supposed to achieve economic efficiency and a host of other objectives through monetary calculation and monetarily mediated social relationships deserves particular scrutiny.

Naval’s Laws The below is Naval’s response to the question “Are there any quotes you live by or think of often?” These are gold. Take the time necessary to digest them. “These aren’t all quotes from others. Many are maxims that I’ve carved for myself.” Be present above all else. Desire is suffering (Buddha). Anger is a hot coal that you hold in your hand while waiting to throw it at someone else (Buddhist saying). If you can’t see yourself working with someone for life, don’t work with them for a day. Reading (learning) is the ultimate meta-skill and can be traded for anything else. All the real benefits in life come from compound interest. Earn with your mind, not your time. 99% of all effort is wasted. Total honesty at all times. It’s almost always possible to be honest and positive. Praise specifically, criticize generally (Warren Buffett). Truth is that which has predictive power. Watch every thought. (Always ask, “Why am I having this thought?”) All greatness comes from suffering. Love is given, not received. Enlightenment is the space between your thoughts (Eckhart Tolle). Mathematics is the language of nature. Every moment has to be complete in and of itself. A Few of Naval’s Tweets that are Too Good to Leave Out “What you choose to work on, and who you choose to work with, are far more important than how hard you work.” “Free education is abundant, all over the Internet. It’s the desire to learn that’s scarce.” “If you eat, invest, and think according to what the ‘news’ advocates, you’ll end up nutritionally, financially, and morally bankrupt.” “We waste our time with short-term thinking and busywork. Warren Buffett spends a year deciding and a day acting. That act lasts decades.” “The guns aren’t new. The violence isn’t new. The connected cameras are new, and that changes everything.” “You get paid for being right first, and to be first, you can’t wait for consensus.” “My one repeated learning in life: ‘There are no adults.’ Everyone’s making it up as they go along. Figure it out yourself, and do it.” “A busy mind accelerates the passage of subjective time.

How did I discover saccharin? Well, it was partly by accident and partly by study. I had worked a long time on the compound radicals and substitution products of coal tar... One evening I was so interested in my laboratory that I forgot about my supper till quite late, and then rushed off for a meal without stopping to wash my hands. I sat down, broke a piece of bread, and put it to my lips. It tasted unspeakably sweet. I did not ask why it was so, probably because I thought it was some cake or sweetmeat. I rinsed my mouth with water, and dried my moustache with my napkin, when, to my surprise the napkin tasted sweeter than the bread. Then I was puzzled. I again raised my goblet, and, as fortune would have it, applied my mouth where my fingers had touched it before. The water seemed syrup. It flashed on me that I was the cause of the singular universal sweetness, and I accordingly tasted the end of my thumb, and found it surpassed any confectionery I had ever eaten. I saw the whole thing at once. I had discovered some coal tar substance which out-sugared sugar. I dropped my dinner, and ran back to the laboratory. There, in my excitement, I tasted the contents of every beaker and evaporating dish on the table.

Collateral Capacity or Net Worth? If young Bill Gates had knocked on your door asking you to invest $10,000 in his new company, Microsoft, could you get your hands on the money? Collateral capacity is access to capital. Your net worth is irrelevant if you can’t access any of the money. Collateral capacity is my favorite wealth concept. It’s almost like having a Golden Goose! Collateral can help a borrower secure loans. It gives the lender the assurance that if the borrower defaults on the loan, the lender can repossess the collateral. For example, car loans are secured by cars, and mortgages are secured by homes. Your collateral capacity helps you to avoid or minimize unnecessary wealth transfers where possible, and accumulate an increasing pool of capital providing accessibility, control and uninterrupted compounding. It is the amount of money that you can access through collateralizing a loan against your money, allowing your money to continue earning interest and working for you. It’s very important to understand that accessibility, control and uninterrupted compounding are the key components of collateral capacity. It’s one thing to look good on paper, but when times get tough, assets that you can’t touch or can’t convert easily to cash, will do you little good. Three things affect your collateral capacity: ① The first is contributions into savings and investment accounts that you can access. It would be wise to keep feeding your Golden Goose. Often the lure of higher return potential also brings with it lack of liquidity. Make sure you maintain a good balance between long-term accounts and accounts that provide immediate liquidity and access. ② Second is the growth on the money from interest earned on the money you have in your account. Some assets earn compound interest and grow every year. Others either appreciate or depreciate. Some accounts could be worth a great deal but you have to sell or close them to access the money. That would be like killing your Golden Goose. Having access to money to make it through downtimes is an important factor in sustaining long-term growth. ③ Third is the reduction of any liens you may have against these accounts. As you pay off liens against your collateral positions, your collateral capacity will increase allowing you to access more capital in the future. The goose never quit laying golden eggs – uninterrupted compounding. Years ago, shortly after starting my first business, I laughed at a banker that told me I needed at least $25,000 in my business account in order to borrow $10,000. My business owner friends thought that was ridiculously funny too. We didn’t understand collateral capacity and quite a few other things about money.

What is scarce? Surely time is scarce? This is true in the sense that we get only one life, but yet again there are ways in which competition and how we use our time can make us feel an artificial sense of time scarcity. Each time we are able to build on the work of others with confidence, each time we use the elements of life pulled from our commonwealth of agricultural knowledge, we bundle time, and so get the benefit of having multiple lifetimes. Each time nature uses genetic code that has been developed over millions of years, millions of years of development are collapsed into something that works in our lifetimes. Each time we add to that collection, we are putting our lifetimes' work into a useful form for the benefit of future generations. At the same time, yes, we each have only our own single lives in which to pursue happiness. The goal is to spend as much of that time in a framework of sharing abundance rather than having it squeezed into a life of scarcity and competition. In contrast, we need not look far to find lots of frustrating examples in which our time is treated as abundant when we would rather have it be valued as scarce. It happens each time we must stand in line at the DMV, fill out redundant forms at the hospital, reproduce others' efforts by spending time searching for knowledge or data that already exists somewhere, create a report that no one reads. In those cases, we are creating and living in artificial and unnecessary time scarcity. Time is indeed one of the most curious elements of life, especially since our lifetimes and those of plants and animals all move at different rates. We know, for example, that the urgency to address climate change is really on our human scale, not geologic scale. The Earth has been through greater upheavals and mass extinctions and will likely go through them again, but for the narrowest of narrow bands of human history on Earth, we require very specific conditions for us to continue to thrive as a species. To keep our planet within a habitable and abundant balance, we have, as Howard Buffet noted, only 'forty seasons' to learn and adjust. That is why building on one another's work is so important. One farmer can have the benefit of forty seasons and pass some of that experience down, but if 1,000 farmers do the same, there is the collective benefit of 1,000 years in a single year. If a million people participate, then a million years of collective experience are available. If we are then able to compound knowledge across generations and deepen our understanding of human and natural history, we add even greater richness. It is in this way of bundling our experiences for continual improvement, with compound interest, that time shifts from a scarce resource to being far less of a constraint, if not truly abundant. However, for time to be compounded, knowledge must be shared, and real resources, energy, and infrastructure must exist and function to support and grow our commonwealth of knowledge.

The Age Of Reason 1. ‘Well, it’s that same frankness you fuss about so much. You’re so absurdly scared of being your own dupe, my poor boy, that you would back out of the finest adventure in the world rather than risk telling yourself a lie.’ 2. “ I’m not so much interested in myself as all that’ he said simply. ‘I know’, said Marcelle. It isn’t an aim , it’s a means. It helps you to get rid of yourself; to contemplate and criticize yourself: that’s the attitude you prefer. When you look at yourself, you imagine you aren’t what you see, you imagine you are nothing. That is your ideal: you want to be nothing.’’ 3. ‘In vain he repeated the once inspiring phrase: ‘I must be free: I must be self-impelled, and able to say: ‘’I am because I will: I am my own beginning.’’ Empty, pompous words, the commonplaces of the intellectual.’ 4. ‘He had waited so long: his later years had been no more than a stand-to. Oppressed with countless daily cares, he had waited…But through all that, his sole care had been to hold himself in readiness. For an act. A free, considered act; that should pledge his whole life, and stand at the beginning of a new existence….He waited. And during all that time, gently, stealthily, the years had come, they had grasped him from behind….’ 5. ‘ ‘It was love. This time, it was love. And Mathiue thought:’ What have I done?’ Five minutes ago this love didn’t exist; there was between them a rare and precious feeling, without a name and not expressible in gestures.’ 6. ‘ The fact is, you are beyond my comprehension: you, so prompt with your indignation when you hear of an injustice, you keep this woman for years in a humiliating position, for the sole pleasure of telling yourself that you are respecting your principles. It wouldn’t be so bad if it were true, if you really did adapt your life to your ideas. But, I must tell you once more…you like that sort of life-placid, orderly, the typical life of an official.’ ‘’That freedom consisted in frankly confronting situations into which one had deliberately entered, and accepting all one’s responsibilities.’ ‘Well…perhaps I’m doing you an injustice. Perhaps you haven’t in fact reached the age of reason, it’s really a moral age…perhaps I’ve got there sooner than you have.’ 7. ‘ I have nothing to defend. I am not proud of my life and I’m penniless. My freedom? It’s a burden to me, for years past I have been free and to no purpose. I simply long to exchange it for a good sound of certainty….Besides, I agree with you that no one can be a man who has not discovered something for which he is prepared to die.’ 8. ‘‘I have led a toothless life’, he thought. ‘ A toothless life. I have never bitten into anything. I was waiting. I was reserving myself for later on-and I have just noticed that my teeth have gone. What’s to be done? Break the shell? That’s easily said. Besides, what would remain? A little viscous gum, oozing through the dust and leaving a glistering trail behind it.’ 9.’’ A life’, thought Mathieu, ‘is formed from the future just like the bodies are compounded from the void’. He bent his head: he thought of his own life. The future had made way into his heart, where everything was in process and suspense. The far-off days of childhood, the day when he has said:’I will be free’, the day when he had said: ’I will be famous’, appeared to him even now with their individual future, like a small, circled individual sky above them all, and the future was himself, himself just as he was at present, weary and a little over-ripe, they had claims upon him across the passage of time past, they maintained their insistencies, and he was often visited by attacks of devastating remorse, because his casual, cynical present was the original future of those past days.

After I left Uriah’s side last night, I wandered the compound without any sense of direction. I should have been thinking of my friend, teetering between this world and whatever comes next, but instead I thought of what I said to Tobias. And how I felt when I looked at him, like something was breaking. I didn’t tell him it was the end of our relationship. I meant to, but when I was looking at him, the words were impossible to say. I feel tears welling up again, as they have every hour or so since yesterday, and I push them away, swallow them down. “So you saved the Bureau,” Cara says, turning to me. “You seem to get involved in a lot of conflict. I suppose we should all be grateful that you are steady in a crisis.” “I didn’t save the Bureau. I have no interest in saving the Bureau,” I retort. “I kept a weapon out of some dangerous hands, that’s all.” I wait a beat. “Did you just compliment me?” “I am capable of recognizing another person’s strengths,” Cara replies, and she smiles. “Additionally, I think our issues are now resolved, both on a logical and an emotional level.” She clears her throat a little, and I wonder if it’s finally acknowledging that she has emotions that makes her uncomfortable, or something else. “It sounds like you know something about the Bureau that has made you angry. I wonder if you could tell me what it is.” Christina rests her head on the edge of Uriah’s mattress, her slender body collapsing sideways. I say wryly, “I wonder. We may never know.” “Hmm.” The crease between Cara’s eyebrows appears when she frowns, making her look so much like Will that I have to look away. “Maybe I should say please.” “Fine. You know Jeanine’s simulation serum? Well, it wasn’t hers.” I sigh. “Come on. I’ll show you. It’ll be easier that way.” It would be just as easy to tell her what I saw in that old storage room, nestled deep in the Bureau laboratories. But the truth is, I just want to keep myself busy, so I don’t think about Uriah. Or Tobias.

Here’s the bottom line: We can pay now or we can pay later. It’s our choice. You can pay the price now to deal with attitudes and roots in your life that are anything but Christ-like. (That price is often self-denial rather than self-indulgence.) Or you can decide to run the race carrying the cumbersome weights of sin and self as you chase ministry opportunities that seem too good to pass up. The cost of taking the time to prepare yourself for the higher calling may seem too much to bear. Impatience clouds the realities of readiness. But I guarantee this: If you put off reconciling your character debts today you’ll pay the piper with compounded interest later.

Deposit thoughts of prosperity, wealth, and success in your subconscious mind, and the latter will give you compound interest.

The smallest, earliest gifts forever alter your trajectory for doing good. This is what I mean by the compound interest of altruism. Start early to maximize the compound interest in your efforts.

Ames applied this technique to any number of compounds, but one of the most interesting pieces of work was his 1990 paper on “Dietary Pesticides.”5 Ames recognized that most plants produced their own pesticides and compared their prevalence to the residues of synthetic pesticides. Surprisingly, they found that 99.99% of the pesticides in the American diet were from plants, and only .01% were from synthetic sources. They noted that only 52 of those naturally occurring pesticides had been tested for carcinogenicity, and that 27 of those were indeed carcinogenic. So, if more than half of the tested natural pesticides were carcinogenic and in far greater concentration than those applied by man, they then concluded that the hazards from synthetic pesticides were probably insignificant.